11: After a grace or deferment period, student begins repaying the loan. If student has any questions or needs help with loan repayment, student contacts loan servicer.

The process for receiving some federal student loans, including Federal Perkins Loans and Direct PLUS Loans for parents, is different. To learn more about these and other federal student loans, visit StudentAid.gov/loans. To get information on loan repayment, visit StudentAid.gov/repay.

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